| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $45K | — | $45K | 10.00% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41K | — | $41K | 12.69% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41K | — | $41K | 12.69% |
| PROVINSURE INC3 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD 204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $4K | $26K | 11.95% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | — | $33K | 15.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | $4K | $26K | 11.95% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $32K | — | $32K | 15.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $4K | $25K | 12.02% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | SUN LIFE ASSURANCE COMPANY OF CANADA | $22K | — | $22K | 10.91% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | DELTA DENTAL INSURANCE COMPANY | $20K | — | $20K | 10.00% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 15.00% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $2K | $9K | 10.41% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SVCS INC | 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.58% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | LINCOLN LIFE INSURANCE COMPANY | $10K | — | $10K | 13.00% |
| PROVINSURE INC3 | 4000 DESTINATION PKWY ORLANDO, FL 32819 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $650 | — | $650 | 1.84% |
| KAREN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $546 | — | $546 | 1.54% |
| JOHN PICCININI3 | 425 W COLONIAL DR ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 0.40% |
| STEVEN VERMETTE INC3 | 920 SPRING PARK LOOP CELEBRATION, FL 34747 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.21% |
| FRANK M GAMMON3 | 10604 CRESCENT LAKE CT CLERMONT, FL 34711 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | — | $36 | 0.10% |
| CARUSO INSURANCE BENEFITS INC3 Filed as: CARUSO INSURNACE BENEFITS INC | 10872 WILDERNESS CT ORLANDO, FL 32821 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.02% |
| JOHN E CUMMINGS3 Filed as: JOHN JOHNSON | 1618 FOX GLEN CT WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: BEECHER CARLSON INSURANCE SERVICES | SIX CONCOURSE PARKWAY SUITE 2300 ATLANTA, GA 30328 | NATIONWIDE LIFE INSURANCE COMPANY | $22K | — | $22K | — |
| PROVINSURE INC3 Filed as: PROVINSURE | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | NATIONWIDE LIFE INSURANCE COMPANY | $11K | — | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEBTPA EMPLOYER SERVICES INC EIN 75-2611444 CONTRACT ADMIN | Contract Administrator Service code 13 | 8500 FREEPORT PKWY STE 400 IRVING, TX 75063 | $1.2M |
| CRUCIALIST LLC EIN 30-1212865 SERVICE PROVIDER | Other services Service code 49 | 4230 PABLO PROFESSIONAL CT STE 103 JACKSONVILLE, FL 32224 | $136K |
| PROVINSURE EIN 59-1536217 INSURANCE AGENT | Insurance agents and brokers Service code 22 | 4000 DESTINATION PARKWAY ORLANDO, FL 32819 | $74K |
| EVOLUTIONS HEALTHCARE SYSTEMS EIN 59-3139483 SERVICE PROVIDER | Other services Service code 49 | 8406 MASSACHUSETTS AVE A1 NEW PORT RICHEY, FL 34653 | $70K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,993 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,993 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED BEHAVIORAL HEALTH DBA OPTUM | 3,552 | $49K |
| Dental(2 contracts) | DELTA DENTAL INSURANCE COMPANY | 1,712 | $644K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,521 | $201K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,649 | $324K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 546 | $324K |
| Long-term disability(3 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 546 | $629K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 2,210 | $0 |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,649 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,552 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.